Blue Cross and Blue Shield of North Carolina

I purchased the BlueCross BlueShield of North Carolina: Blue Advantage Bronze (broad network, HSA eligible) policy to be effective for my family from 01/01/15-12/31/In the policy it states the following:
What is the overall deductible? $5,person/$11,family in-network
$11,person/$22,family out- of-networkDoesn't apply to In-Network
preventive careCoinsurance and copayments do not apply to the deductible
I purchased the policy at a premium for low out of pocket fees after deductible is metAs I started using the policy and talked to BCBSNC front line and supervisor personnel, I was told the deductible on this policy is only at the family level and is the entire $11,The $deductible only applies if I was purchasing the policy as a singleThis makes the statement in the BCBSNC sales materiasl confusing at bestPlease be aware of the meaning of this statement from BCBSNC if you have this policy or are considering this policy

I pay twice my mortgage a month and can't get the medication I need to be healthy, there a scam!!!

I have been a customer of BCBSNC since The past years have been seen my business fall substantially so I took advantage of the ACAI have always had my premiums drafted from my banking accountThis year my premiums were $a monthThis month (October) they drafted $of which was my October premium of $and $because they had not been charging me the correct amount for my policyI was not warned of this until I received an email from my bankI've tried and others have tried to understand how this is legal, especially since they state in their booklet that the draft amount can not change unless one adds a person or deletes a personI have called them several times only to be placed on hold and have to listen to that horrible wait musicNo one is authorized to give me an answerThey have no credibility as a company but they are basically the only health provider we haveDo not let them draft your premiums because they have no plans on returning what they stoleAlso remember to speak to a supervisorThe customer service reps may give info, you just are not allowed to use the info as a final, binding answerWorst customer service I have received as an adultI'm sixty two years old JMC

I have been a blue cross blue shield member for over a year. I have called them for the past three months and I never have spoke with a customer service representative yet. I have been put on hold for hours and hours. I can not get through. They have raised my premium to 200.00 dollars more a month. I can not afford this rediculous amount. Total 651.00 a month is what they expect me to pay in 2016. They have no problem continually biling me. I wish to cancel my subscription with bcbs of nc so I can obtain health coverage elsewhere. I did not change my health care plan in 2016, but yet bcbs of nc did not inform me that my premium was going to raise to such a rediculous unaffordable amount with the same plan I had obtained in 2015. I need help resolving these issues.

I have been trying to reach BCBS for three days to cancel my health insurance policy. The phone system was down due to a "high call volume" for two days, I finally was put on hold (for over an hour) and gave eventually gave up. Also, I tried to go online to cancel my policy but the website is having "technical difficulties." So here I am....I am paying for a policy that I do not want and am unable to cancel with no recourse other than filing a negative review.

My plan hasn't officially started yet, but I've been charged twice. My refund will take up to 30 days to process and no one seems to understand why I was even double charged in the first place. Every customer service rep has a different answer and different information. I don't know why I was told I would have my money back in my account within 3-5 days via ach, when it's actually 30 days by mail.

What a monopoly that BCBS has in this market of NC. I will definitely not recommend any business to this place. I call the office in Fayetteville, NC asking for coverage. The front desk lady talked to me like they do not care about my business. What a service!

Been on the phone for 5 hours was hung up on twice and told to hold on any was put back on hold call was never answered. I had issues back in December, which I was paying for policies. I'm receiving bills that were not paid now I have to cough up money. Oh and that's not it I sent 445.00 in last month that's has not been accounted for. I paid 888.00 for 1 month so I can still be insured until I found another company. I have so many issue with company that is not being addressed. Smh I have no idea on what's going on.

Even though this won't do any good whatsoever, I want to file a complaint. At the beginning of each month, BCBSNC automatically withdraws an amount covering my premium for that month. In return, BCBSNC is supposed to send me an email notifying me that they have taken the money from my account. Very simple, no? Only it's not so simple after all. I did not receive any such notification for the month of January. (When I checked my account page on your website this morning, I saw that you had withdrawn funds from my bank account for February. Normally the money is withdrawn on the 2nd of each month and I receive an email on the 5th or 6th. But this month it wasn't withdrawn until the 5th. So maybe I will get an email for February in the next day or two.) This is at least the fourth time that you have failed to send me such an email since I chose the automatic payment option. I rely on these emails to help me balance my checkbook. In the years since I opened my BCBSNC account, I have not filed a single claim. So you guys are pretty much making pure profit on me so far. (I can't imagine the administrative upkeep and overhead can be that much.) You have one job and one job only right now: to send me an email once a month. That's it. And yet you can't even seem to do that. What's going to happen when I do have to submit a claim? Am I going to run into the same kind of problems? Bad enough that this is at least the fourth time you've messed up. (Not to mention that you just jacked up my premiums to the tune of nearly $80 a month.) But then, when I tried to contact your customer service reps to (once again) rectify your error, I was unable to get through. I have been trying to call for a month now. I'd get these recordings about how busy you were due to open enrollment and how you were experiencing higher than normal call volume. But the recording said that open enrollment was through January 16th. I have tried numerous times to call after the 16th and have still been unable to get through. I tried calling mornings, afternoons, even evenings and on Saturdays. No luck. I'd be on hold for 20, 30, 40 minutes at a time - all to no avail. The only options listed on the Contact page were phone numbers. When in desperation I took to Twitter and called you guys out for your lousy customer service, I finally got a response. But even that didn't do me any good. Whoever was Tweeting on behalf of BCBSNC said that they would schedule a callback - but they couldn't tell me what day or time they would call. So far, I have not received any call. I finally actually got to speak to a customer service rep last Saturday (after having already called once that morning). He said he would have to switch me to another department. He put me on hold and there I stayed for another 25 minutes before I had to finally hang up. (You know, some companies let people know how long they can expect to be on hold. You might want to look into that.) I called BCBSNC again first thing this morning. It took about 15 or 20 minutes but somebody did pick up. Unfortunately, it wasn't anyone who could help me. It was some lady who said that her only function was to ask people who have been on hold for a long time if they wanted to schedule a callback. The problem is, the earliest callback time available is February 19th 10 days from now. 10 days! Are you kidding me? I had no choice but to accept. I also asked the lady if there was any other way that I could get in touch with someone from BCBSNC. She told me about the Inbox icon on the BlueConnect (what a joke that name is) homepage. Which, in turn, is how I came to be writing this to you now. Why this email option is not on the Contact page along with the phone numbers is utterly beyond me. When I see Inbox, I think that's where you send messages to me - not necessarily a place where I can send messages to you. There's a difference between an Inbox and a Mailbox. Here's the thing. After all this aggravation and all the time I have wasted waiting in vain for someone to answer the phone, you guys owe me. An apology from a customer service rep just isn't going to cut it. Not this time. I demand either: A) a personal apology from someone higher up in your organization, preferably the CEO or B) a partial refund of my premium for January (and, if I do not receive a notice for February, than for this month as well) as a show of good faith. I cannot believe a company of your size can be so unresponsive, unprofessional and incompetent. You keep screwing up because you are not held accountable for your mistakes. You think all you have to do is have some poor customer service rep someone who has nothing to do with your foul-ups apologize. If you were, say, penalized financially each time you screwed up, you'd probably screw up a lot less. I notice that you never seem to have any trouble taking money from my account. It's just notifying me - the one thing I am asking you to do - that seems to be a problem.

These guys are criminals and horrible. If the doctor prescribes something and you go to get it filled they reject it then require a prior authorization. What the heck, it was authorized by the doctor you is. Pay $450.00 a month which is a deal from what others pay and still have to deal with this [redacted]. I could buy the medicine for less that the premium and see the doctor. I hope the company goes bankrupt.

I turned 26 last year during open enrollment. This meant I had to get insurance for December 2014 and for 2015. I chose BCBS of NC. Due to the bad timing I had to pay for December and January insurance just a few days apart. BCBS accidentally credited my January account and did not credit my december account at all. I called 5 times during December, January, and February to correct the mistake. Every time they placed me on hold for at least 30 minutes. Finally in february, someone said they could see the mistake and filed to correct it, however, they have no clue when it would be complete. In March I got fed up and just paid my December account again, so I could finally file my medical claims in December. In April, they finally "processed" my request to fix the mistake. Instead they subtract my March payment. I called today and they placed me on hold and are unable to correct their mistake. It has been 6 months and lots of hours wasted, money lost, and with no result.

I paid this company $200 for my insurance coverage for the month of January through healthcare.gov. They took my payment and mailed me an insurance card. When I tried to use that card I was told my plan didn't exist. I called bcbs to see what the issue was and was put on hold for 2 hours. That is not hyperbole. After finally speaking to a customer service representative I was told that for whatever reason my plan "had not been loaded into the system." She then took the necessary steps to put the plan in the system and told me it would be working within 3-4 days. Five days later I again attempted to get my prescription filled and they were again unable to find my plan. I called bcbs again and was on hold for another hour before I gave up. I tried again that Monday. Again I was put on hold for 2 hours before another incompetent employee tried to find my plan. She was too incompetent to find the plan so she went to get help. She said she was going to briefly put me on hold, but instead she hung up on me. I called back and I am currently on hold. I have been on hold for over an hour. If you're thinking about getting insurance with this company, then don't. This has truly been the worst customer service experience I have ever had. Blue Cross Blue Shield of North Carolina is the worst company in th United States, possibly the entire Milky Way Galaxy.

I am currently on hold with BCBSNC after speaking with a 4th person to get a simple question answered regarding a claim. I have been on the phone for 2 hrs and 45 mins and still do not have an answer..just more hold music. Their customer service is horrible!!!

I have had insurance with Blue Cross Blue shield for years. I just started graduate school this fall at [redacted] and was automatically signed up for insurance with the same carrier(Blue Cross Blue Shield). I have contacted them letting them know I never recieved an email stating the I had to decline the blanket insurance that they provide to all NC college Students. I was not registered for classes until the week befoe school and my classes were doprrod for the first month of school due to an internsl clerical error. Now Blue Cross Blue Shield is telling me I am stuck with the insurance that I never ageed to, being that I am already coverd under my wifes policy.
I have contacted Blue Cross Blue Shield as well as [redacted]. The university states that it sent three email to my student account. The first two emails were sent before I had an account and I never saw the alleged third emaill that was sent stating that I needed to waive the insurance as to not have double coverage.

This entire process seems unethical especially since I have coverage already with Blue Cross Blue Shield

I have not had insurance with BCBS since Dec 2015 but they drafted $722 out of my account for Jan & Feb 2016. I did my part and canceled the policy, got a confirmation number but it still did no good. I have been working since Feb 8 to get my refund back and have spent over 12 hours on hold and I am still waiting on my refund. I have 2 confirmation numbers for refunds that are supposed to post within 3-7 business days and I've yet to see a refund. Now, it is March 4 and I am currently on hold again. Maybe I can explain to the mortgage company they will have to wait another month for their payment, I am sure they will be just as patient as me waiting on my refund. This company is a joke, everyone talks in circles and no one can get me an answer. Maybe they can reimburse me for the 12+ hours (and counting) I've been on hold while at work. I am sure that reimbursement check will be right behind the one I am currently waiting on...

Customer service is apparently receiving an increased number of calls in which BCBSNC has responded by an extension of hours which is not an adequate solution for those seeking time sensitive assistance.
After devoting two twelve hour days (9am - 9pm) and going in the same circle is unacceptable. Hold times exceeded one hour and then when I was lucky enough to reach representative they could not help me as individual dental policy holder as they only handled medical insurance and that was handled by different department... TOPAZ dept. There was no direct number they could give me for that department but was promised a connection with no hold time. However, I was placed back on hold only to receive the same response from the next rep I reached. I felt there was deception due to the volume of calls the employees were handling. I even tried going through Sales dept. rep with no hold time but no help offered either.
You need to evaluate your ability to respond to customer concerns in a more effective manner than just adding extra hours which only yields frustration.
An effective customer service call center is essential to any business who expects to retain customers.

I have had terrible experience in getting medical bills paid by BCBS for the past 2 years. Last year I gave up on getting an ultrasound reimbursed (for which they somehow determined I should pay $800, although medically necessary); this year I have been fighting for over 4 months getting a $2,000 claim reimbursed. Even though they only have 30 days to respond to claims, they somehow manage to request a new document, letter, etc. on the dot every 30 days and drag out the process, and in a first step simply deny things to see if any appeal comes back.

I have never had to fight that hard with a health insurance companies and would not recommend BCBS because of that.

I have been on hold for more than an hour trying to reach a representative...I have not spoken to anyone yet. It has been several days and still I have not had my issues resolved. I switched to BCBSNC from [redacted] ...what a big mistake!!! I'm a very, very unhappy customer!!!!!

I paid for health coverage Jan. 2 2016. Go to doctor and Im showing no coverage still. Try calling sit on hold for 3 hours and still no one can fix my problem. Drove 2 hours to the Durham office. Told me that they got it all fixed. Then I recieved and phone that I needed to make my Jan payment. At this time I found out that I still dont have any health insurance. Everyone that I talk to says they will call me back. Still dont get a call back. I keep calling back trying to get my health insurance fix. Still luck. Its now almost Feb and still no luck on getting my refund or insurance.

I am one of the many who has been over charged with my new policy. I changed polices last November and received a new card in Jan. My bank account was drafted for the old policy amount. I called and paid for the new policy via the automated service and it showed the new amount. When I go online to look at my account and it shows two polices not one. I have tried to call BCBS but am always on hold. I stayed on hold for 3 hours and 22 minutes one day without any answer. I have contacted BCBS via Facebook and was told I have been put on the call back list. I have yet to be called and the last time I contacted them this way was jan 17. I have now received two paper bills for two different policies. I only need one. I have payed this month again via the automated service for the policy I would like to keep. I have been issued two different cards as well.
This is the first time I was eligible to purchase my insurance through the market place and did so.
This is getting to be very frustrating.